Thursday, September 1, 2011

What to Do When An Accident Occurs

By Lloyd Lawson, Farmers Insurance

Automobile accidents happen that's a fact of life but being prepared makes everything easier. Here are eight important steps to follow:



•Step 1 - (at the accident scene): Call 911 if someone has a life-threatening injury.


•Step 2 - Exchange license plate numbers, contact information and auto insuranceinformation with the other parties involved. MAKE SURE TO GET PHONE NUMBERS


•Step 3 - Warn other drivers to prevent further damage.


•Turn on hazard lights. Set flares.


•Step 4 - Notify the police. You need a police report.


•Step 5 - Gather the facts. : Look for witnesses note the time and scene details.


•Step 6 - Don't admit responsibility. Investigation may show that you are not responsible.


•Step 7 - Report to the proper authorities. If you are involved in a vehicle accident that occurred in California, you must report it to DMV if: There was property damage of more than $750 or anyone was injured (no matter how minor)Each driver must make a report to DMV within 10 days, whether you caused the accident or not and even if the accident occurred on private roperty.


•Step 8 - Report claims immediately. Contact your insurance company as soon as possible. Many have 24-hour claim-filing service by phone. Your insurance ID card should provide the number. Whoever takes your claim will walk you through the process.


Download & Print PDF Accident Record Keeper for Your Glove Box 5.5" x 8.5" Be safe and be smart.

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